Kapitus is a small business financing company founded in 2006 that offers loans, lines of credit and revenue-based financing, and it publishes clear requirements: generally two years in business, $180,000 to $250,000 in annual sales depending on the product, and a 650 credit score. The key to evaluating it is knowing which product you are being offered and who is funding it, because several of its products come through members of its funding network.
In this review we summarize what Kapitus says about itself (per its site, checked October 2026), explain how to confirm an offer is real, which contract terms to check, and how it compares with other options, including Merchant Fund Express, our recommended funder. We do not quote third-party ratings we have not verified.
Key takeaways
- Kapitus offers business loans and revenue-based financing up to $5,000,000 and lines of credit up to $750,000, per its site, checked October 2026.
- Its published requirements center on 2 years in business and a 650 credit score, with annual sales of $180,000 (line) or $250,000 (loan and revenue-based).
- Some products (invoice factoring, purchase order financing, SBA loans) come through members of its network: check which company signs your contract.
- Its KapitusPLUS process says you can compare up to six offers with one application.
- On its business loan, Kapitus says there is no prepayment penalty.
- If you have less than two years in business or your credit is under 650, compare funders that review sales and deposits.
What Kapitus offers, per its own site
These figures come from Kapitus's public pages (per its site, checked October 2026). Its pages use ranges that can change, so confirm everything in writing before you decide.
| Product | Amount | Published term | Minimum requirements |
|---|---|---|---|
| Business loan | Up to $5,000,000 | 6 to 24 months | 2+ years, $250,000 annual sales, 650 credit |
| Line of credit | Up to $750,000 | Up to 36 months | 2+ years, $180,000 annual sales, FICO 650+ |
| Revenue-based financing | Up to $5,000,000 | 6 to 24 months on average | 2 years, $250,000 annual sales, 650 credit |
Other details it publishes:
- Payments can be daily, weekly or monthly; with revenue-based financing, the debit is an agreed percentage of your sales.
- Speed: approval "in as little as 4 hours" and funding in as little as 24 hours for qualifying businesses.
- Documents: 3 to 6 months of business bank statements to get started.
- Network products: it says invoice factoring, purchase order financing and SBA loans come through members of its funding network, and equipment financing through Kapitus Equipment Finance.
- Company: its site footer says Kapitus is a registered trademark of Strategic Funding Source, Inc., and lists California licenses for Kapitus LLC and Kapitus Equipment Finance LLC.
Who Kapitus fits, and who it does not
Kapitus targets established businesses. Based on what it publishes, these profiles tend to fit best:
- Businesses with two or more years and steady sales above $250,000 a year that need a large amount to grow: another location, a fleet, a new contract.
- Owners with credit of 650 or higher who want to choose between a loan, a line and revenue-based financing with a single specialist.
- Owners with no time to shop around: its KapitusPLUS process says it assigns you a specialist and up to six offers to compare from one application.
- Businesses that already carry other financing: its site says it can fund qualified businesses that have loans from other lenders.
Compare first if:
- Your business is under two years old. Many Hispanic-owned businesses that opened 12 or 18 months ago already sell well but do not meet this minimum.
- Your score is below 650, for example because of old medical debt or a thin U.S. credit history.
- Your annual sales are below $180,000.
- You would rather deal with a single company from start to finish and do not want your application passed to other funders.
Before applying, review your last three to six bank statements the way an analyst would: average deposits, low-balance days, overdrafts and the automatic payments you already have. If that picture is clean, any application moves faster.
Is Kapitus legit? How to check for yourself
Kapitus publishes its history, leadership team, legal entity and state licenses on its own site. That is what you expect from an established company. Still, the practical question is whether the offer in your hand really comes from who it says. Check this:
- Apply from the official site by typing the address yourself. Do not follow links in messages you did not request.
- Ask who is funding your offer. Because some products come through its network, ask for the exact name of the company that will sign and make sure it matches the contract.
- Confirm registration. Look up the signing company with the relevant Secretary of State. In California, you can check financing licenses on the state regulator's (DFPI) website.
- Never pay anything up front. A fee to "release" funds or a gift card payment is a fraud signal, no matter who asks.
- Read recent and negative reviews. Look for patterns around collections, renewals or service, not just the average.
For a wider checklist, read how to choose a reputable funder.
Contract terms to check with Kapitus
Kapitus offers different products, and each one reads differently. These are the terms that matter most:
- Which product you are signing. A loan has a rate and interest; revenue-based financing is priced with a factor and repaid from a percentage of your sales. Kapitus itself explains on its site that a factor rate is another way of expressing cost. To compare the two, use our guide to factor rate vs. APR.
- Debit percentage and frequency. If the payment is a percentage of your sales, ask how it is calculated, how often it is collected and what happens in a slow month.
- Paying early. On its business loan, Kapitus says there is no prepayment penalty. Ask whether paying early also lowers your total cost, and whether the same applies to the product you are offered.
- Collateral. Its site says some larger loans may require collateral and others do not. Make sure the contract states exactly which assets are pledged.
- Renewals. Its site mentions a renewals team. Before accepting a renewal, compare the new payment with your deposits in a slow month.
- Cost disclosure. In states such as California and New York, the law requires certain commercial funders to provide a disclosure with the estimated cost. Ask for one even if your state does not require it.
If you get several offers through KapitusPLUS, put them in one table: cash you actually receive, total cost, payment per period and number of payments. Our guide on how to choose a business lender works as a checklist.
Kapitus alternatives by situation
The right alternative depends on which requirement you miss or what worries you:
- Less than two years in business: look for funders that accept six months or a year of history and review your deposits.
- Credit under 650: cash advances and revenue-based financing tend to accept lower scores, at a higher cost.
- You want the lowest cost and have time: a local bank, a credit union or an SBA loan, with more paperwork and weeks of waiting.
- You invoice on 30, 60 or 90-day terms: invoice factoring can turn those receivables into cash.
Our recommended funder is Merchant Fund Express. It works with amounts from $5,000 to $5,000,000, accepts scores from FICO 500 and reviews your sales and deposits as well as your credit; stronger credit and cash flow usually bring better offers. Collateral is not required in most cases, decisions often take 2–4 hours, it accepts applicants with an ITIN (no SSN needed), and its team offers Spanish-speaking support. Since applying is free and has no impact on your credit, you can request your offer here and compare it with Kapitus's.
Honest comparison: Kapitus vs. our recommended funder
Kapitus figures are per its site, checked October 2026. Where a cell says "depends on the offer," the answer depends on your case and should come in writing.
| Item | Kapitus | Merchant Fund Express |
|---|---|---|
| Amounts | Up to $5,000,000 (loan and revenue-based); line up to $750,000 | $5,000–$5,000,000 |
| Minimum credit | 650 | From FICO 500; better credit usually means better offers |
| Time in business | 2 years | Depends on the offer |
| Minimum annual sales | $180,000 to $250,000 by product | Reviews sales and deposits, not just credit |
| Speed | Approval in as little as 4 hours; funding in as little as 24 hours | Decisions often in 2–4 hours |
| Collateral | Some larger loans may require it | Not required in most cases |
| Cost to apply | Online application | Free, no impact to credit |
In fairness, Kapitus publishes product-by-product requirements in more detail than many funders do, and for a business with two or more years and good credit it can be a solid option. If your business is younger or your credit is lower, it makes sense to have a second offer in hand.
Frequently asked questions
Is Kapitus a legit company?
Kapitus publishes its history since 2006, its leadership team, its legal entity (Strategic Funding Source, Inc.) and California licenses on its site. Those are signs of an established company. Still, apply only through its official site, never pay anything up front, and confirm which company signs your contract, because some products come through its network.
What are Kapitus's requirements?
Per its site, checked October 2026, its main products generally require two years in business and a 650 credit score. Published minimum annual sales are $250,000 for the business loan and revenue-based financing, and $180,000 for the line of credit. Every offer depends on your profile.
Does Kapitus fund loans itself or send me to other companies?
Both, according to its site. Kapitus describes itself as funding its loans and revenue-based financing directly, and says products such as invoice factoring, purchase order financing and SBA loans come through members of its network. With KapitusPLUS you may receive several offers. Always ask who is funding yours.
Can I pay a Kapitus loan early?
For its business loan, Kapitus says on its site that there is no prepayment penalty. That does not always mean your total cost drops; ask whether paying early reduces what you owe and get it confirmed in writing, especially if your offer is revenue-based financing.
What can I do if I do not have the two years Kapitus asks for?
Look for funders that accept less history and review your deposits. Merchant Fund Express, our recommended funder, works with amounts from $5,000 to $5,000,000, accepts scores from FICO 500 and often decides in 2–4 hours. Applying is free and does not affect your credit.
How do I compare several KapitusPLUS offers?
Put them in the same table: cash you receive, total cost, payment per period, debit frequency and number of payments. Note which company signs each one and whether paying early lowers the cost. The cheapest offer is not always the best if its payment does not fit a slow month.